Central Bancompany, Inc. (CBC) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. At $26.68, A.R:R is negative (-0.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Single-region cliff: 88% exposure to Missouri and Primary Markets (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Missouri and Primary Markets (87.8%).
Central Bancompany is a Missouri-headquartered bank holding company for The Central Trust Bank, with 155 branches across Missouri, Kansas, Oklahoma, and Colorado and $20.75B in total assets. Earnings come from commercial and real estate lending (79% of total loans are real... Read more
Sell if holding. At $26.68, A.R:R is negative (-0.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Single-region cliff: 88% exposure to Missouri and Primary Markets (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Missouri and Primary Markets (87.8%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.4/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.70, earnings proximity 87d clear, semi cycle peak clear). Fails on favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicMissouri and Primary Markets88%10-K Item 1A: '87.8% of our loans were to borrowers who resided or organized in Missouri and our other Primary Markets'
- HIGHTenantreal estate loans79%10-K Item 1A: 'our real estate loans represented approximately $9.0 billion, or 79.0% of our total loans held for investment portfolio'
- MEDIUMTenantcommercial real estate and construction and development loans46%10-K Item 1A: 'our commercial real estate and construction and development loans ... at approximately 46.4% of our total loans held for investment portfolio'
Material Events(8-K, last 90d)
- 2026-02-05Item 5.02LOWBoard approved new Time-Based RSU and Performance-Based RSU award agreement forms under the 2025 Equity Incentive Plan for use with employees including executive officers. No officer departures or appointments. No reason cited.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $26.68, A.R:R is negative (-0.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Single-region cliff: 88% exposure to Missouri and Primary Markets (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Missouri and Primary Markets (87.8%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $25.16. Score 5.4/10, moderate confidence.
Take-profit target: $26.36 (-0.9% upside). Prior stop was $25.16. Stop-loss: $25.16.
Single-region cliff: 88% exposure to Missouri and Primary Markets (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Missouri and Primary Markets (87.8%); Concentration risk — Tenant: real estate loans (79.0%).
Central Bancompany, Inc. trades at a P/E of 873.0 (forward 12.8). TrendMatrix value score: 5.9/10. Verdict: Sell.
9 analysts cover CBC with a consensus score of 4.1/5. Average price target: $29.
What does Central Bancompany, Inc. do?Central Bancompany is a Missouri-headquartered bank holding company for The Central Trust Bank, with 155 branches...
Central Bancompany is a Missouri-headquartered bank holding company for The Central Trust Bank, with 155 branches across Missouri, Kansas, Oklahoma, and Colorado and $20.75B in total assets. Earnings come from commercial and real estate lending (79% of total loans are real estate-backed) and wealth management on $16.0B in assets under advice.